GW Response Question

GW Response Question

Hi Everyone,

A few months ago, I decided to really attack my credit reports, and started sending out GW letters. I've taken the advice I've gotten on these forums to heart and haven't given up, and keep sending new letters when I get a response that I don't like.

In any case, I got a response today from BoA for an account that was charged off at around this time last year, but which I paid with a settlement offer (before I understood how to bargain with a PFD, but that's neither here nor there). The response is:

We report to the three major credit reporting agencies, and your report should read "Account Legally Paid in full for less than full Balance".

Please consider this our final response in this matter. If you feel that your credit bureau report is reporting incorrectly you would have to submit a dispute form to your local credit-reporting agency.

So, I'm a bit disheartened. Are they really done responding to me? Should I continue to send letters until they get sick of me? Can I get in any kind of trouble for doing so?

Re: GW Response Question

You can send as many GW as you will like...they are basically saying they aren't going to respond to anymore of them...they don't have to respond...how many have sent to them??....if I had gotten that response...I will stop sending letters...some people would say to keep GWing...but some company are not going to budge for the 1st or the 100th GW...BEST WISHES.....

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IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.